Key Stats for Visa Stock
- Price Change: -0.1%
- Current Price: $326
- Advanced Model Price Target: $530
The Street targets $398. The Model targets $530. Who is right? Run the numbers on TIKR →
What Happened This Week?
Visa (V) stock remained essentially flat, dipping 0.1% to $326 on Friday, as the market braced for the company’s Fiscal Q1 2026 earnings report on January 29.
The stock is battling significant regulatory headwinds after reports surfaced this week that President Trump has received calls from credit card companies concerned about potential interest rate caps.
This follows comments from U.S. House Speaker Mike Johnson last week, suggesting that credit card rates “should be looked into”, creating a wall of worry for the payments sector.
Additionally, while peers like Mastercard (MA) and American Express (AXP) are also feeling the pressure, Visa is countering the narrative by doubling down on digital innovation, including new stablecoin settlement capabilities highlighted by its crypto division this month.
See analysts’ growth forecasts and price targets for Visa stock (It’s free!) >>>
Is Visa (V) Undervalued Today?
While regulators focus on fees, Visa is quietly building the infrastructure for the next massive layer of digital spend: Agentic Commerce.
Group President Oliver Jenkyn recently detailed this strategy, describing a future where AI agents, not just humans, execute transactions.
Furthermore, he illustrated this with a Shop for Me concept, where a user could authorize a ChatGPT-style bot to autonomously purchase goods within set controls
As a result, this would effectively turn every AI interaction into a potential transaction.
Jenkyn noted that for the first 20 years of e-commerce, bots were blocked as fraud
But now Visa is building the cryptographic protocols to treat “good agents” as valid shoppers.
Alongside this innovation, Visa’s Value-Added Services (VAS) revenue is growing at nearly 30% in key regions
Banks drove this growth by outsourcing their cybersecurity and fraud detection to Visa’s world-class stack.
Read the full Visa Transcript on TIKR to see the Agentic Commerce blueprint >>>
According to TIKR’s Advanced Valuation Model, these twin growth engines, AI commerce and VAS, imply that the stock is significantly undervalued.
- Advanced Model Price Target: $530
- Current Price: $326
- Potential Upside: +62.4%
The model assumes Visa (V) can sustain a 9.2% revenue CAGR through 2030, a figure that accounts for the massive expansion of the Total Addressable Market (TAM) via tokenization and new flows.
It also projects an impressive 10.9% annualized return (IRR), rewarding the company for its fortress-like balance sheet and 54.0% net income margins.
Conclusion: Visa (V) is currently stalled by regulatory headlines. However, with a valuation model pointing to $530 and a strategy to monetize the AI revolution, the stock appears to be a coiled spring ahead of earnings.
See the full VISA V forecast on TIKR >>>
How Much Upside Does Visa Stock Have From Here?
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Disclaimer:
Please note that the articles on TIKR are not intended to serve as investment or financial advice from TIKR or our content team, nor are they recommendations to buy or sell any stocks. We create our content based on TIKR Terminal’s investment data and analysts’ estimates. Our analysis might not include recent company news or important updates. TIKR has no position in any stocks mentioned. Thank you for reading, and happy investing!
